The best way to begin getting the debt and spending under control is to reduce your monthly expenses. And one good place to start is to focus on reducing your variable expenses.
Variable expenses include those that can be changed or eliminated entirely.
Variable expenses are those that fluctuate each month, such as clothing, food, entertainment, vacations,
Continue reading Reduce Spending and Debt by Looking at Variable Expenses
Here are some steps you can take to protect your cash flow during tough times. It may be a job loss, or large and unexpected medical bills. Whatever the cause, it threatens your income stream or raises your expenses. You’ll need to take drastic measures to restore your cash flow as much as possible.
Eliminate Nonessential Spending
Continue reading Steps to Protect Your Cash Flow
Timing is everything in bargain-shopping.
The wrong time to buy anything is when you need it – then, the retailer has the advantage.
Instead, plan your purchase. Map out your purchases to the times when retailers are offering the biggest discounts.
Furniture: the best times are in January and July, just before the new shipments arrive.
Jewelry: the busiest
Continue reading The Best Month to Get a Bargain on Your Purchase
Whether your loyalty lies with a particular hotel chain, airline or car mechanic, if someone gives you good service, you keep coming back. On the other hand, if the cable company keeps you waiting past the two-hour window, you may be shopping around.
When you have a problem with a flight, you don’t want to sit
Continue reading How to Work With Customer Service To Make Sure You Get the Value You Paid For
If you are worried about losing your job or getting hit with hefty unexpected bills you can improve your chances for staying afloat and paying your bills with these steps:
keep your core living expenses at less than half of your income
Create an emergency fund in a regular, taxable account
limit your debts, including credit card balances,
Continue reading Debt and Spending: Stay Afloat and Avoid Financial Disaster
Here are some smart strategies for take coupon-clipping to the next level, saving money to improve cash flow and free up cash for saving and investing.
Stack coupons. Save more than the discount on the coupon. ”Stack” the coupon upon other discounts that are available. The average consumer uses a 50-cent coupon when he or she happens to
Continue reading Coupons: Smart Strategies to Save Money
A drastic step to help your cash flow and learn about your spending lifestyle is to declare a want-free month.
A want-free month is a one-month period in which a family spends money on necessities such as bills, food and shelter.
The purpose is to witness how much money is wasted on items that provide no real
Continue reading Declare a Want-Free Month to Help Your Cash Flow and Explore Your Spending Lifestyle
One of the hardest expenses to cut out is assistance to older children.
If a son or daughter is counting on you to help pay rent, pay for health-care bills, or get an education, suddenly stopping those payments could throw your child’s life into financial chaos.
But while it’s a difficult move, ending assistance to adult children
Continue reading Assisting Older Children – Stopping Assistance to Save More for Retirement
Bartering can help you get products or services that you need without requiring cash or taking on debt.
A number of web sites can help you to hook up with providers or customers.
Each trading partner decides what is a fair exchange. Bartering especially makes sense for parents because their children constantly need new things. It also
Continue reading Bartering to Save Cash and Avoid Debt
These are some spending areas where there is a good chance that you can save money, freeing up cash for debt reduction or savings.
Look at buying used instead of new. Cars lose much of their value the minute they are driven off the dealer’s lot – losing thousands of dollars in value in their first
Continue reading Reduce Spending – High Probability Spending Categories Where You Can Save Money
A quick way to begin reducing your expenses is to look at daily and recurring spending. Here are a few categories where ongoing expenses really add up when annualized.
1. Coffee – According to the National Coffee Association, the average price for brewed coffee is $1.38. There are roughly 260 weekdays per year, so buying one
Continue reading Reduce Spending by Cutting Back on Daily and Recurring Expenses
There may not be such a thing as a free lunch. However there are free products and services to help you improve your cash flow and build your net worth that are just as good – if not better.
Here are a few examples.
FREE (AND LEGAL) MUSIC
You can find free and legal music tracks online
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When times are tight cutting back on indulgences can seem inevitable. But it might not be. You can cut back on spending and still live well.
Here are some ways to reduce spending and still enjoy life’s pleasures.
Take bubble baths. If soaking in hot water doesn’t cheer you up, find out what does, because it could
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General Spending Tips
For spending tips from various U.S. government agencies visit Consumer Protection. The site is organized by broad topic and then by subtopic with links to the web page providing the information.
Visit Coupons.com for a good variety of coupons that you can download and print. It can even zap discounts right to your grocery
Continue reading General Spending Resources
Here are some tips to help you manage your spending.
One thing you can do to take control of your household budget is to log every dollar you spend in a 30-day period. Once you’ve logged a month’s worth of grocery receipts, lunch tabs, parking charges, highway tolls, cell-phone and utility bills, mortgage payments and insurance statements you can
Continue reading Some Tips to Spend Less so You Can Start Saving More
It’s difficult to control spending if you don’t have access to tools that help you track how you spend your money. Thankfully, the web provides you with access to free or low-cost options that allow you to pool your credit card and banking information and categorize your expenses.
There are about two dozen of these tools.
Continue reading Control Spending Using Web Tools
From a financial evangelist:
“We want for nothing and, yet, we want something more.”
This financial evangelist hypothesized that depression-era thinking evolved into a wish for a better life for our children and that evolved into a feeling of entitlement that we deserve a better life for ourselves. Thus, families heavily in debt and loaded with
Continue reading Saving More by Reducing Big Fixed Costs
Our attempt for happiness and fulfillment can cause us to spend money on things with little long-term value. The secret of life may just be a good cup of coffee.
“The Secret of Life is a Good Cup of Coffee” – from the lyrics to the song “The Secret of Life”, co-written by Faith Hill and Gretchen
Continue reading The Secret of Life is a Good Cup of Coffee
Reducing postage costs can help lower home office expenses. Increasingly, many postage costs are becoming optional, can be reduced or avoided altogether.
Here are things that you can do to reduce postage costs at home:
Pay bills online to save the average household up to $70 per year. Most credit cards offer and encourage you to pay
Continue reading Lower Your Postage Expense